Side-by-side · Q2 2026 data
Clay County State Bank vs The Peoples State Bank of Newton, Illinois
Metric by metric
| Measure | Clay County State Bank | The Peoples State Bank of Newton, Illinois |
|---|---|---|
| TellerScore | 59 | 81 (stronger) |
| Capital cushion | 82 | 85 (stronger) |
| Loan quality | 0 | 82 (stronger) |
| Earnings | 80 (stronger) | 79 |
| Funding & liquidity | 76 (stronger) | 64 |
| Problem-loan coverage | 70 | 94 (stronger) |
| Peer percentile | 17th | 80th |
| Total assets | $104.3M | $736.7M |
| Deposits / shares | $91.7M | $577.9M |
| Capital ratio | 13.18% | 13.52% (stronger) |
| Problem loans | 3.82% | 0.54% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.50% (stronger) | 1.48% |
| Loans ÷ deposits | 51.1% (stronger) | 85.5% |
| Uninsured deposits | 36.6% | 24.6% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.3% |
The Peoples State Bank of Newton, Illinois has the higher TellerScore (81 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Clay County State Bank leads on 2 and The Peoples State Bank of Newton, Illinois on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.